Ikigega Cyihariye cy’Ingoboka: Kimwe mu bishimangira ubudasa bwa Leta y’u Rwanda

Yanditswe na Ntawitonda Jean Claude

Ku ya 09-07-2019 saa 09:32:40
Abonewe n'imbogo ndetse n'izindi nyamaswa zo mu gasozi bagobokwa na SGF

Muri iki gihe u Rwanda rwizihiza imyaka 25 rwibohoye, hari gahunda n’ibikorwa by’ubudasa bitaboneka henshi mu bindi bihugu bigamije guteza imbere imibereho y’Abanyarwanda, kubungabunga ubusugire bwabo no kubarenganura (social protection).

Ni muri urwo rwego muri iyi myaka 25 yo kwibohora, Abanyarwanda bakomeje kungukira byinshi muri gahunda za Leta ziteza imbere urwego rw’ubuzima (Mutuelles de sante, RAMA, MMI…), ubukungu (Girinka, Himo, VUP…), urwego rw’imari (Umurenge Sacco, Umwarimu Sacco…) n’izindi gahunda.

Ikigega Cyihariye Cy’Ingoboka (Special Guarantee Fund-SGF) nubwo gitanga serivisi zihariye kandi abo zigenerwa atari benshi ugereranyije n’abagenerwabikorwa ba gahunda twavuze haruguru, ni ikigo cya Leta kigaragaza ubudasa mu kurenganura umuturage, kugera n’aho benshi batatekereza.

SGF ni ikigo cya Leta gishamikiye kuri Minisiteri y’Imari n’Igenamigambi gikora mu rwego rw’ubwishingizi, kigoboka abantu bagize impanuka zo mu muhanda zatewe n’ibinyabiziga bidafite ubwishingizi cyangwa bitamenyekanye, kuko badashobora kugana ibigo by’ubwishingizi bisanzwe.

SGF ifite kandi inshingano zihariye zo kugoboka abangirijwe ibyabo n’inyamaswa zo mu gasozi, by’umwihariko abatuye hafi ya pariki z’igihugu, n’ibindi byanya bikomye, abo izo nyamaswa zikomeretsa cyangwa imiryango y’abo zica dore ko izo mpanuka zibaho ku baturiye ibiyaga n’imigezi cyangwa amashyamba abamo inyamaswa z’inkazi.

Iki kigo cyabanje kwitwa “Fond de Garantie Automobile” guhera mu 2002 cyari gishinzwe kugoboka abagize impanuka zo mu muhanda gusa, ariko ku gitekerezo cya Nyakubahwa Perezida wa Republika Paul Kagame abaturage bakomezaga kugezaho ikibazo cy’ibyabo byangizwa n’inyamaswa ziba mu byanya bikomye nka pariki. Cyaje kongererwa inshingano n’ubushobozi mu mpera za 2011, kuva ubwo cyahindutse “Special Guarantee Fund” kugeza n’uyu munsi.

Umuyobozi wa SGF Dr. Joseph Nzabonikuza, yatangarije Imvaho Nshya ko abagana SGF baba bafite uburenganzira bumwe nk’abagana ibindi bigo by’ubwishingizi iyo batejwe impanuka n’ibinyabiziga bifite ubwishingizi.

Umuyobozi wa SGF Dr. Joseph Nzabonikuza

Gusa serivisi za SGF zo zigenewe umuntu ushobora guhera mu gihirahiro igihe nyiri ikinyabiziga cyamugonze atagifatiye ubwishingizi cyangwa kitamenyekanye, cyangwa se yahohotewe n’inyamaswa Leta ibungabunga kugira ngo yite ku iterambere ry’ubukerarugendo no ku rusobe rw’ibinyabuzima. Leta y’u Rwanda nk’umubyeyi ureberera bose, yashyizeho ubwo buryo (mechanism) kugira ngo hatazajya haba abavutswa uburenganzira bwo kugobokwa mu gihe k’impanuka, iyo nta wundi mwishingizi uhari.

Umuyobozi wa SGF akomeza agaragaza ko buri mwaka SGF igoboka abantu batari bake kandi bagenda biyongera, uko serivisi itanga zigenda zirushaho kumenyekana, baba abahohoterwa n’ibinyabiziga cyangwa n’inyamaswa.

Ibi bigaragazwa n’umubare w’abo iki kigo cyagobotse mu myaka 3 ishize, aho mu mwaka w’ingengo y’imari 2016/2017 cyagobotse abantu 1264 bonewe n’inyamaswa mu duce twose turi hafi ya Pariki z’Igihugu n’ibindi byanya bikomye, mu mwaka wa 2017/2018 ni bwo bagabanutseho gato kuko hagobotswe abantu1,241. Mu mwaka w’ingengo y’imari dusoje wa 2018/2019, abagobotswe bikubye hafi kabiri ugereranyije n’umwaka wabanje kuko bageze ku 2,545.

Muri iyo myaka 3 y’ingengo y’imari, abagobotswe nyuma y’impanuka zo mu muhanda na bo ntibari bake, kuko hishyuwe amadosiye y’abantu batandukanye bakomeretse n’abagize imiryango y’abitabye Imana agera ku 179 muri 2016/2017, agera kuri 204 muri 2017/2018 naho muri 2018/2019 akaba 227.

Dr. Nzabonikuza Joseph yasobanuye ko abafite uburenganzira bwo kugobokwa na SGF ari abubahirije igihe k’iminsi 7 kigenwa n’amategeko mu kumenyekanisha impanuka bagize, ni ukuvuga Polisi y’Igihugu, Ishami rishinzwe umutekano wo mu muhanda, n’ubuyobozi bw’inzego z’ibanze ku bangirizwa ibyabo cyangwa bakomeretswa/bicwa n’inyamaswa. Iki ni cyo k’ibanze, ibindi byose biza bishamikiyeho biba bigamije kubona amakuru akenewe ku migendekere y’impanuka, ingano y’ibyangijwe no kusaba cyangwa usabirwa indishyi.

Ibi bivuga ko SGF ikorana mu buryo bwa hafi kandi buhoraho n’inzego za Polisi y’Igihugu hamwe n’ubuyobozi bw’inzego z’ibanze, by’umwihariko imirenge ikora kuri Pariki z’Igihugu hamwe n’ifite ibiyaga n’imigezi n’ahandi hari ibyanya bikomye hashobora kuboneka inyamaswa z’inkazi.

Ati: “Aha twatanga urugero rw’abantu baherutse kwicwa n’ingona muri Nyabarongo, abishwe n’imvubu mu biyaga byo mu Burazirazuba, imiryango yabo yagiye igobokwa na SGF.”

Uburyo SGF ikoramo bisaba ubwitange n’ubunyangamugayo

Dr. Nzabonikuza arashimira ubuyobozi bw’u Rwanda burangajwe imbere na perezida wa Repubulika Nyakubahwa Paul Kagame bwashyizeho iki Kigega kishingira abaturage badasabwe imisanzu nk’uko bigenda ku bindi bigo by’ubwishingizi.

Avuga ko ku bijyanye n’ubwishingizi ku mpanuka zo mu muhanda, ari ibihugu bike cyane muri Afurika bigira ubu bwishingizi nk’ubwa SGF kuko bihura n’imbogamizi zo guhomba kubera uburiganya bukunze kwihisha mu gusaba indishyi.

Kuba mu Rwanda iki kigo kidahomba, ni ukubera umuco w’ubunyangamugayo no kurwanya uburiganya bwakomeje kubakwa muri iyi myaka 25 Igihugu cyacu kibohoje, by’umwihariko ubunyamwuga n’imikorere myiza ya Polisi y’Igihugu ishinzwe umutekano mu muhanda, ikumira uburiganya mu kumenyekanisha impanuka, kuko ari cyo kintu cya mbere gihomya ibigo bw’ubwishingizi bw’impanuka zo mu muhanda.

Ku byerekeye kugoboka abangirizwa ibyabo n’inyamaswa, abo zikomeretsa cyangwa imiryango y’abo zica, nta handi iyi serivisi iboneka, ni ubudasa bw’u Rwanda. Ni serivisi yubakiye ku mikoranire myiza irushaho kugenda inoga hagati ya RDB ifite ubukerarugando mu nshingano zayo, SGF ishinzwe gutanga indishyi, n’inzego z’ibanze mu mirenge ibonekamo ibyo bibazo.

Ati: “Kugira ngo iyi serivisi ishoboke, bisaba ubwitange n’imbaraga by’abafatanyabikorwa bose, ubunyangamugayo no gukurikirana cyane kugira ngo abantu bagobokwa babe koko ari abagenerwabikorwa babikwiriye.”

Amafaranga Ikigega gicunga akaba aturuka ku misanzu abafata ubwishingizi batanga mu bigo by’ubwishingizi kuko 10% ry’ubwishingizi ku by’abandi wakwangiza (third party insurance cover) ajya muri SGF, naho Urwego rw’Igihugu rushinzwe Ubukerarugendo (RDB) rukayiha 5% y’umusaruro mbumbe uva muri serivisi zihabwa abakerarugendo.

Ubundi bushobozi buva ku ishoramari SGF ikora ahantu hizewe nko mu mpapuro mpeshamwenda za Leta, kubitsa mu bigo by’imari, no ku bwishyu butangwa n’abateje impanuka badafite ubwishingizi kuko baba bagomba gukurikiranwa n’itegeko bakishyura ibyakoreshejwe mu kugoboka uwahohotewe.

Abagobotswe baravuga imyato SGF yabakuye kure

Abaturage bagobotswe n’ikigega SGF barashima uburyo cyabakuye aho rukomeye mu gihe batatekerezaga ko mu byago bagize hari ubutabazi bwava mu kigo badasanzwe bafitanye amasezerano y’ubwishingizi.

Mugirase Vestine utuye mu Murenge wa Nyamirambo, Akarere ka Nyarugenge, avuga uburyo SGF yamugobotse ubwo umwana we yagongwaga n’imodoka yo mu bwoko bwa FUSO igahita iburirwa irengero tariki 3 Werurwe 2016.

Abafite ibinyabiziga barasabwa kubifatira ubwishingizi kuko impanuka zidateguza

Mugirase yarahangayitse kuko yumvaga ko nta handi yakura ubufasha, ariko bagenzi be bagobotswe na SGF bamugira inama yo kumenyekanisha iyo mpanuka mu maguru mashya.

Ati: “Ndabashimira cyane rwose kuko ubufasha bampaye sinari mbwiteze, ntabwo nabitekerezaga ko nabona ikigo kingoboka ni ibintu byantunguye.”

Uwizeye Théogène na we wagonzwe n’imodoka bikamuviramo kuvunika imbavu eshanu n’ibibaha bikangirika, yongeyeho ati: “Baramvuje mu Bitaro Bikuru bya Gisirikare i Kanombe, nari nakomeretse imbavu eshanu ndetse zijomba no mu bihaha na byo birashwanyagurika. Ndabashimira ko bamfashije mu buvuzi nkongera gusubirana ubuzima nubwo ngifite ubumuga bw’ingingo.”

Mashako Cyprien wo mu murenge wa Nyange, Akarere ka Musanze, avuga ko SGF yamugobotse nyuma y’aho imbogo zoneye ibirayi bye zikamusiga iheruheru mu mwaka wa 2016.

Abonewe n’imbogo ndetse n’izindi nyamaswa zo mu gasozi bagobokwa na SGF

Ati: “Nkimara kugobokwa narongeye ndahinga mbona umusaruro, kuko Leta igenda ikaza ingamba zo gukumira inyamaswa ntizongere konera abaturage.”

Ubuyobozi bw’ikigega SGF burifuriza Abanyarwanda umunsi mwiza wo kwibohora bunibutsa abafite ibinyabiziga buri gihe kubifatira ubwishingizi, kuko n’ubwo SGF igoboka uwahohotewe, nyiri ikinyabiziga cyateye impanuka arakurikiranwa kugeza igihe yishyuriye indishyi zatanzwe na SGF ku byo yangije. Abaturiye amashyamba na pariki bo baranashishikarizwa kugira uruhare mu kurinda imitungo, mu bushobozi bwabo, aho Leta itari yageza ibikorwa remezo birambye nko kuzitira za pariki.

Umwanditsi:

Ntawitonda Jean Claude

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